Payment system applied to element universe

Abstract

The invention discloses a payment system applied to the universe. The payment system is rich in function, high in universality, easy to use and easy to use on a universe platform. According to the technical scheme, the system comprises a user side, a meta-universe platform, a payment service subsystem and a CA certificate authority, the user side comprises an offline security module and a payment broadcast assembly, and the meta-universe platform comprises a front service module, an asynchronous processing service module and an SDK module. The payment service subsystem comprises a payment management module, a risk control management module, a channel management module and a block chain gateway.

Description

Technical Field

[0001] The present invention relates to the field of payment systems, and in particular to payment solutions in the metaverse industry, and aims to provide a complete basic payment function system to meet the payment needs of various metaverse systems. Background Art

[0002] With the booming development of the virtual economy, the transaction demand is growing in the Metaverse, which places higher demands on the security, convenience and cross-platform compatibility of the payment system. At present, through the introduction of advanced technologies such as blockchain, cryptocurrency, and smart contracts, the payment system has been able to effectively support the circulation of digital assets and virtual goods, greatly promoting the commercialization of the Metaverse. Among them, cryptocurrency payment, as an important means of payment, has been widely used in the Metaverse, enabling users to easily purchase virtual assets, goods or services.

[0003] However, there are also some inherent problems with cryptocurrency payments. First, the price volatility of cryptocurrencies is large, which affects the stability of transactions to a certain extent. Secondly, due to technical and regulatory limitations, the application and promotion of cryptocurrency payments in the Metaverse also faces many challenges. In addition, for traditional payment methods, some Metaverse platforms will develop dedicated digital wallets or payment gateways to facilitate users to conduct payment transactions within the platform. However, this method also has the problem of user private key management. Once the private key is leaked or improperly managed, it may lead to user fund loss. At the same time, the wallet compatibility issues between different platforms also limit users' seamless payment experience between multiple platforms.

[0004] In order to solve the above problems, some innovative payment methods have appeared in the prior art. For example, patent application No. 202310748329.5 proposes a payment method, device, equipment, medium and product based on the metaverse. This solution mainly combines the user's variable feature information and immutable feature information with the metaverse role information for identity authentication, thereby improving the security of payment. However, this solution may have some problems in practical applications, such as user usage habits, experience, and the initial access cost of the platform. In particular, technologies such as handwriting and iris recognition may become a major obstacle both from the perspective of user usage habits and platform access costs.

[0005] On the other hand, patent application number 202311345584.1 proposes a Metaverse secure payment method, device, equipment and storage medium, which focuses on reducing the switching between the virtual world and the real world and improving the user experience. The payment application information is generated by using the Metaverse payment certificate of the transaction initiator and the Metaverse merchant certificate of the transaction recipient, and is externally verified by the transaction management platform, and identity authentication is performed through the biometric recognition unit to finally complete the transaction settlement. However, although the solution has improved security, it does not fully consider the problem of financial losses that may be caused by operational errors of the Metaverse platform, as well as the needs of compliance audits.

[0006] In summary, the incompleteness of basic payment functions has become a major obstacle in the promotion of the Metaverse industry. Due to the inadequacy of the payment system functions, the Metaverse platform faces the following key payment requirements:

[0007] 1. User needs:

[0008] 1.1 When using the payment system, users are required to operate in accordance with their traditional payment habits to avoid complex learning curves and unfamiliar operation methods;

[0009] 1.2 Users have high requirements for payment security, especially in virtual environments, and need to ensure the security of the transaction process to avoid fraud and information leakage.

[0010] 2. Platform requirements:

[0011] 2.1 The Metaverse platform requires an effective fund recovery mechanism to ensure the timely flow of funds and the stable operation of the platform;

[0012] 2.2 Some platforms need to reduce the investment costs of payment systems.

[0013] 3. Regulatory needs:

[0014] :3.1 Regulators have high regulatory requirements for the Metaverse payment system and need to establish a sound compliance mechanism to ensure the transparency and legality of payment activities.

[0015] 3.2 Regulators also hope to reduce regulatory costs and resource consumption through reasonable means.

[0016] The prior art has the following deficiencies:

[0017] 1. Most existing technical solutions focus on meeting some requirements, such as payment security, or consider user experience issues alone;

[0018] 2. Although security issues have received some attention, there are still potential loopholes, and risks such as double spending and data tampering cannot be fully prevented;

[0019] 3. Failure to fully integrate user experience, platform requirements and regulatory requirements has resulted in an insufficiently closed-loop system design that is unable to effectively address multiple challenges.

[0020] In summary, the current Metaverse payment system still has many shortcomings, and it is urgent to develop a payment system that is rich in functions, highly versatile, simple to use, and easy to use on the Metaverse platform. This system should reduce the cost of use for enterprises while ensuring payment security, improving user convenience, and complying with relevant regulatory requirements. Summary of the invention

[0021] A brief summary of one or more aspects is given below to provide a basic understanding of these aspects. This summary is not an exhaustive overview of all conceived aspects, and is neither intended to identify the key or critical elements of all aspects nor to define the scope of any or all aspects. Its only purpose is to give some concepts of one or more aspects in a simplified form as a prelude to a more detailed description that will be given later.

[0022] The purpose of the present invention is to solve the above problems and provide a payment system applied to the Metaverse, which is rich in functions, highly versatile, simple to use and easy to use on the Metaverse platform.

[0023] The technical solution of the present invention is as follows: The present invention discloses a payment system applied to the Metaverse, including a user terminal, a Metaverse platform, a payment service subsystem and a CA certificate authority, wherein:

[0024] The user end includes an offline security module and a payment announcement component, including:

[0025] Offline security module, including a private key storage unit, where users sign transactions using the private key in the unit and receive payment confirmation information through the payment broadcast component;

[0026] Payment announcement component, allowing users to choose from a variety of immersive payment methods;

[0027] The Metaverse platform includes a front-end service module, an asynchronous processing service module, and an SDK module, among which:

[0028] The front-end service module is used to receive the signature information from the user end, communicate with the payment service subsystem through the SDK module, perform business processing, and ensure the security of transactions;

[0029] Asynchronous processing service module, used to monitor and process asynchronous result feedback of payment requests to ensure the integrity of the payment process;

[0030] SDK module, embedded in the Metaverse platform to connect the Metaverse platform and payment services;

[0031] The payment service subsystem includes payment management module, risk control management module, channel management module and blockchain gateway, among which:

[0032] Payment management module, used to generate transactions and perform accounting processing;

[0033] The risk management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected;

[0034] The channel management module manages the payment channel status, transfers the data of the Metaverse platform to the payment channel, and manages the status of each payment channel to achieve seamless switching;

[0035] Blockchain gateway, which is used to upload transaction information to the blockchain and use smart contracts to achieve atomic delivery of virtual goods and user funds;

[0036] CA certificate authority is used to provide certificate and authentication services, verify the identities of both parties to the transaction, and ensure communication security.

[0037] According to an embodiment of the payment system applied to Metaverse of the present invention, the payment broadcast component supports payment confirmation broadcast in multiple forms including SMS / email push, public account push, APP push, voice broadcast, and Metaverse plug-in screen display.

[0038] According to an embodiment of the payment system applied to the Metaverse of the present invention, the system runs the following process:

[0039] ①The user initiates the transaction and signs it;

[0040] ②The front-end service module receives data and forwards it to the payment management module through the SDK. The payment service processes the transaction and uploads the data to the chain;

[0041] ③The asynchronous processing service module feeds back the payment result;

[0042] ④Users obtain payment information through the payment broadcast component.

[0043] According to an embodiment of the payment system applied to Metaverse of the present invention, in step ②, the Metaverse platform securely interacts with the payment service provider through SDK, and provides two payment options for the end user, including immersive payment and bridge payment. Step ② further includes:

[0044] Collection service: Receive transaction orders from the Metaverse platform and pass them to the unified order SDK for processing;

[0045] Unified order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridge payment through the SDK to achieve unified management and scheduling of payment methods;

[0046] Immersive payment: including universal USB-shield payment, Bluetooth USB-shield payment, biometric payment and cold wallet APP payment. Immersive payment receives payment requests through SDK and interacts with blockchain using smart contract standards, identity authentication standards and privacy protection standards to ensure payment security and compliance.

[0047] Bridge payment: including mini-program payment, H5 payment, APP payment and quick payment. These payment methods are suitable for lightweight payment scenarios. Bridge payment receives payment requests through SDK and interacts with the blockchain to ensure the security and compliance of payment.

[0048] According to an embodiment of the payment system applied to the Metaverse of the present invention, the payment management module further configures the following reconciliation and settlement process:

[0049] Step 1: Reconciliation file storage service: store multi-source data including orders, payments, cards, coupons, marketing, and settlements;

[0050] Step 2: ETL / analysis service: clean, convert and standardize the stored data to form a data foundation that can be used for reconciliation and store it in layers, including the data standard layer, detailed data layer, summary data layer and data mart layer. The data standard layer standardizes the data to ensure data consistency. The detailed data layer stores detailed transaction data for reconciliation. The summary data layer summarizes the detailed data to form the reconciliation results. The data mart layer provides query and analysis functions for reconciliation data.

[0051] Step 3: Data verification: Monitor transaction data in real time through blockchain observation nodes to implement reconciliation operations. If abnormal data is found, a difference report will be generated and submitted to the manual processing layer for review;

[0052] Step 4: After confirming that the reconciliation results are correct, generate the reconciliation results and perform settlement and write-off. The settlement and write-off process also includes manual difference processing.

[0053] According to an embodiment of the payment system applied to the Metaverse of the present invention, the risk management module further configures the following compliance supervision process:

[0054] First, collect customer information and rate customers through the KYC module to assess their risk level;

[0055] Then, the system performs a list warning: checking whether the user is on the warning list;

[0056] Next, identify potential high-risk behaviors;

[0057] After that, the intention verification is carried out: the identity verification process to confirm the user's true intention to ensure that the user conducts transactions or authorizations with knowledge and voluntarily;

[0058] Finally, if a suspicious transaction is detected, an early warning of the subject and transaction rules will be triggered: including entity warning, regional warning, account opening warning, and transaction warning.

[0059] According to an embodiment of the payment system applied to the Metaverse of the present invention, the last step of detecting whether it is a suspicious transaction includes manual processing: manually reviewing the detected suspicious transactions, supplementing the processing results and reporting them to the regulatory authorities; and completing data collection / sample sharing at the same time: that is, collecting and sharing key risk event data based on strict data compliance requirements for further analysis by the Metaverse business compliance regulator.

[0060] According to an embodiment of the payment system applied to the Metaverse of the present invention, the early warning process also includes deep mining of abnormal facial data, intelligent generation of AI face-changing features, and automatic updating of liveness recognition models to prevent watermark attacks and synthetic attacks.

[0061] Compared with the prior art, the present invention has the following beneficial effects:

[0062] 1. Complete Metaverse Payment Closed-Loop Design:

[0063] The present invention not only realizes the basic requirements of payment function and fund security, but also further builds a complete payment closed loop. By adopting the T+2 settlement cycle, the system ensures that funds can be recovered in time, thus improving the efficiency of fund use.

[0064] With the help of the blockchain node's Watch Node (observation node) to monitor transaction data in real time, the system can automatically reconcile on-chain transactions with platform internal data, promptly identify and process abnormal data, and generate difference reports for manual review. This process not only improves the accuracy and efficiency of reconciliation, but also forms a closed-loop settlement process, effectively reducing operational risks and the risk of capital loss.

[0065] 2. Dual support for immersive and bridge payment methods:

[0066] The present invention innovatively designs two payment methods: immersive and bridging, to meet the diversity of different scenarios and user needs.

[0067] The immersive payment method uses advanced technologies such as U-Shield, biometrics, cold wallets, etc., allowing users to complete payments without exiting the Metaverse environment, greatly enhancing the user's immersive experience, improving payment convenience and user satisfaction.

[0068] The bridge payment method supports conventional payment methods such as mini programs and H5, which is close to users' daily payment habits and suitable for lightweight payment scenarios. This design not only lowers the payment threshold for users, but also effectively reduces the cost of platform access and improves the versatility and practicality of the system.

[0069] 3. Multi-level compliance and risk control system:

[0070] The present invention constructs a multi-level compliance supervision process, comprehensively covering key links such as KYC and list warning, ensuring the compliance and security of payment.

[0071] Especially in the prevention of telecommunications fraud, the present invention adopts advanced technical means such as AI face-changing detection and liveness recognition, and continuously updates the recognition model to improve the accuracy and timeliness of fraud detection. At the same time, the system also supports unified compliance data reporting, which is convenient for regulatory authorities to supervise and manage.

[0072] This multi-level compliance and risk control system not only improves the security of the system, but also effectively reduces compliance risks and legal risks, providing strong guarantees for the sustainable development of Metaverse Payment.

[0073] In summary, the Metaverse payment system proposed in the present invention has significant beneficial effects compared with the existing technology. It not only improves the security and convenience of payment, but also reduces the platform access cost, enhances the user's immersive experience, and builds a complete compliance and risk control system, laying a solid foundation for the widespread application and sustainable development of Metaverse payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0074] The above features and advantages of the present invention can be better understood after reading the detailed description of the embodiments of the present disclosure in conjunction with the following drawings. In the drawings, the components are not necessarily drawn to scale, and components with similar related properties or features may have the same or similar reference numerals.

[0075] Figure 1 A schematic diagram showing various payment methods for transaction orders on the Metaverse platform.

[0076] Figure 2 A schematic diagram showing an embodiment of a payment system applied to the Metaverse of the present invention.

[0077] Figure 3 A schematic diagram showing the reconciliation and settlement process in the Metaverse scenario.

[0078] Figure 4 A schematic diagram of the compliance supervision process in the metaverse scenario is shown. DETAILED DESCRIPTION

[0079] The present invention is described in detail below in conjunction with the accompanying drawings and specific embodiments. Note that the aspects described below in conjunction with the accompanying drawings and specific embodiments are only exemplary and should not be construed as limiting the scope of protection of the present invention in any way.

[0080] Figure 2 The invention shows the principle of an embodiment of a payment system applied to the metaverse, which is the overall framework of the system.

[0081] The system of this embodiment includes a user terminal, a Metaverse platform, a payment service subsystem and a CA certificate authority.

[0082] User side: includes offline security module and payment broadcast component.

[0083] The offline security module includes a private key storage unit. The user signs the transaction using the private key in the unit and receives payment confirmation information through the payment broadcast component.

[0084] Payment broadcast component: Users can flexibly choose a variety of immersive payment methods according to different security and experience requirements. In terms of payment confirmation broadcast methods, the system provides a variety of options to strike a balance between cost and security requirements. The payment broadcast component supports payment confirmation broadcasts through SMS / email push, public account push, APP push, voice broadcast, and Metaverse plug-in screen display. These broadcast methods can display payment results in an immersive form in the Metaverse scene, or they can be sent through external channels, meeting users' requirements for real-time and security.

[0085] Metaverse platform: includes front-end service module, asynchronous processing service module and SDK module.

[0086] The front-end service module is used to receive the signature information of the user end, and communicate with the payment service subsystem through the SDK (Software Development Kit) module to perform business processing and ensure the security of the transaction.

[0087] The asynchronous processing service module is used to monitor and process the asynchronous result feedback of payment requests to ensure the integrity of the payment process.

[0088] The SDK module is forcibly embedded in the Metaverse platform, acting as a bridge between the Metaverse platform and the payment service. The Metaverse platform must access the payment service through the built-in SDK interface, avoiding communication channels that are not certified by the CA and eliminating the possibility of man-in-the-middle attacks.

[0089] Payment service subsystem: includes payment management module, risk control management module, channel management module and blockchain gateway.

[0090] The payment management module is used to generate transactions and perform accounting processing.

[0091] The risk management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected.

[0092] The channel management module manages the status of payment channels, transfers the data of the Metaverse platform to the payment channels, and manages the status of each payment channel to achieve seamless switching.

[0093] The blockchain gateway is used to upload transaction information to the blockchain and use the characteristics of smart contracts (smart contracts are automatically executed code protocols deployed on the blockchain, triggering and executing transactions according to preset conditions to ensure the transparency and immutability of transactions) to achieve atomic delivery of virtual goods and user funds. Atomic delivery means that in blockchain transactions, the delivery process of transactions is either completely successful or completely failed, and there is no partial completion in the middle. Through smart contracts and decentralized mechanisms, all terms of the transaction parties are ensured to be fully executed at the same time, or automatically rolled back if either party fails to perform, avoiding unfairness or losses.

[0094] CA certificate authority: used to provide certificate and authentication services, verify the identities of both parties in the transaction, and ensure communication security. By authenticating the user identity and payment service end, the CA certificate authority can ensure the security of payment information transmission between multiple parties and prevent middleman attacks and data tampering.

[0095] Figure 2 The operation flow of the system shown is as follows:

[0096] ①The user initiates the transaction and signs it;

[0097] ②The front-end service module receives data and forwards it to the payment management module through the SDK. The payment service processes the transaction and uploads the data to the chain;

[0098] ③The asynchronous processing service module feeds back the payment result;

[0099] ④Users obtain payment information through the payment broadcast component.

[0100] Figure 1 Main correspondence Figure 2 Process ② of the system implementation example. The Metaverse platform interacts securely with payment service providers through SDK, and provides two payment options for end users (immersive payment and bridge payment).

[0101] refer to Figure 1 As shown, the transaction orders of the Metaverse platform include payment services, unified order SDK, immersive payment and bridge payment.

[0102] Collection service: responsible for receiving transaction orders from the Metaverse platform and passing them to the unified order SDK for processing.

[0103] Unified order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridge payment through the SDK to achieve unified management and scheduling of payment methods.

[0104] Immersive payment: including universal U-shield payment, Bluetooth U-shield payment, biometric payment and cold wallet APP payment. These payment methods allow users to complete payments without leaving the Metaverse environment, enhancing the user experience. Immersive payment receives payment requests through SDK and interacts with the blockchain using smart contract standards, identity authentication standards and privacy protection standards to ensure payment security and compliance. This type of payment method integrates U-shield devices, Bluetooth protocols and biometric verification to make the payment process smooth and consistent with the immersive experience of the Metaverse, while relying on offline signatures and encrypted communication methods to protect privacy.

[0105] Bridge payment: including mini-program payment, H5 payment, APP payment and quick payment. These payment methods are suitable for lightweight payment scenarios and reduce the user's access cost. Bridge payment also receives payment requests through SDK and interacts with the blockchain to ensure the security and compliance of payment.

[0106] The underlying layer of this payment solution relies on blockchain technology, combined with smart contracts, identity authentication and data privacy protection standards, to provide secure, transparent and efficient support for transactions in the metaverse environment. In terms of access methods, merchants only need to develop systems for preset standard protocols to quickly connect to metaverse payments, reducing development costs and technical barriers. Standardized interfaces not only ensure the compatibility and scalability of payments, but also simplify the integration process of payment methods. The reason why blockchain is chosen as the basic technology for metaverse payments is that it can record and protect ownership in the virtual world through a decentralized mechanism. It not only solves the trust and security issues in traditional payment systems, but also realizes the binding of the scarcity and real value of virtual assets, providing users with actual ownership guarantees for digital assets.

[0107] Figure 3 correspond Figure 2 Payment management module of the system implementation. For the Metaverse platform, the ultimate goal of payment is to recover funds for secondary production, so the system provides a reconciliation and settlement system that meets the demands of all parties in the Metaverse.

[0108] refer to Figure 3 ,The reconciliation and settlement process of the Metaverse payment system includes the following.

[0109] Step 1: Reconciliation file storage service: store multi-source data such as orders, payments, cards and coupons, marketing, and settlements.

[0110] Step 2: ETL / analysis service: clean, transform and standardize the stored data to form a data foundation that can be used for reconciliation and store it in layers, including the data standard layer, detailed data layer, summary data layer and data mart layer. For immersive payment scenarios, since the account information is stored on the blockchain. ETL refers to "extract", "transform" and "load".

[0111] Among them, the data standard layer: standardizes the data to ensure data consistency;

[0112] Detailed data layer: stores detailed transaction data for easy reconciliation;

[0113] Summary data layer: summarizes the detailed data to form the reconciliation results;

[0114] Data mart layer: provides query and analysis functions for reconciliation data.

[0115] Step 3: T+1 / T+2 data verification: The blockchain Watch Node node (a blockchain Watch Node is a node dedicated to real-time monitoring of blockchain transaction data, helping to record and verify on-chain activities) monitors transaction data in real time to achieve reconciliation operations. The system automatically compares on-chain transaction data with internal platform data to achieve reconciliation operations under the T+1 / T+2 mode. If abnormal data is found, the system will generate a difference report and hand it over to the manual processing layer for review.

[0116] Step 4: After confirming that the reconciliation results are correct, the reconciliation results are generated, and settlement instructions are generated according to the T+2 cycle and the calculated retention funds for settlement and write-off. The settlement and write-off process also includes manual difference processing.

[0117] Figure 4 correspond Figure 2 The risk management module of the system embodiment focuses on risk management from external requirements and implements a multi-level compliance supervision process. Figure 4 As shown,

[0118] First, collect customer information and rate customers through the KYC module (KYC stands for Know Your Customer, which is a customer identity verification process in financial and payment systems that collects and verifies user information to assess their risk level). In this embodiment, the KYC module classifies and lists customers according to established standards, but some low-risk users are subject to too many verification processes. Risk classification management can also be introduced into the KYC process to simplify the verification process for low-risk users, while taking stricter review and monitoring for high-risk users.

[0119] Then, the system issues a list warning: checking whether the user is on the warning list, etc.

[0120] Next, identify potential high-risk behaviors. Identification mainly relies on preset rules and list libraries, which are strongly bound to industry experience and are mainly based on fixed rules. Machine learning models can also be introduced to conduct deep learning and dynamic analysis of transaction data, and automatically update the rule library and list according to the latest risk trends.

[0121] After that, the intention verification is performed: the identity verification process to confirm the user's true intention, to ensure that the user conducts transactions or authorizations with knowledge and voluntarily, to prevent fraud and misoperation. In this embodiment, some intention verification requires manual intervention, and automated tools can be added to process some intention reviews with the help of NLP (natural language processing) technology, thereby reducing the frequency and time of manual intervention.

[0122] Finally, if a suspicious transaction is detected, it will trigger an early warning of the subject and transaction rules: including entity early warning, regional early warning, account opening early warning, transaction early warning, etc. This includes manual processing: manual review of the detected suspicious transactions, supplementary recording of the processing results and reporting to the regulatory authorities. At the same time, data collection / sample sharing is completed: that is, key risk event data is collected and shared based on strict data compliance requirements for further analysis by Metaverse business compliance supervision.

[0123] During the early warning process, for example, by deeply mining abnormal facial data, intelligently generating AI face-changing features, and automatically updating the liveness recognition model, we can effectively prevent watermark attacks and synthetic attacks.

[0124] Although the above methods are illustrated and described as a series of actions for simplicity of explanation, it should be understood and appreciated that these methods are not limited by the order of the actions, because according to one or more embodiments, some actions may occur in a different order and / or concurrently with other actions from those illustrated and described herein or not illustrated and described herein but understandable to those skilled in the art.

[0125] Those skilled in the art will further appreciate that the various illustrative logic blocks, modules, circuits, and algorithm steps described in conjunction with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or a combination of the two. To clearly illustrate this interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps are generally described above in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the specific application and the design constraints imposed on the overall system. The technician may implement the described functionality in different ways for each specific application, but such implementation decisions should not be interpreted as resulting in a departure from the scope of the present invention.

[0126] The various illustrative logic blocks, modules, and circuits described in conjunction with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in cooperation with a DSP core, or any other such configuration.

[0127] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software module may reside in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. An exemplary storage medium is coupled to a processor so that the processor can read and write information from / to the storage medium. In an alternative, a storage medium may be integrated into a processor. The processor and the storage medium may reside in an ASIC. The ASIC may reside in a user terminal. In an alternative, the processor and the storage medium may reside in a user terminal as discrete components.

[0128] In one or more exemplary embodiments, the functions described may be implemented in hardware, software, firmware, or any combination thereof. If implemented as a computer program product in software, each function may be stored on or transmitted by a computer-readable medium as one or more instructions or codes. Computer-readable media include both computer storage media and communication media, including any medium that facilitates the transfer of a computer program from one place to another. Storage media may be any available medium that can be accessed by a computer. As an example and not limitation, such a computer-readable medium may include RAM, ROM, EEPROM, CD-ROM or other optical disk storage, disk storage or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of an instruction or data structure and can be accessed by a computer. Any connection is also properly referred to as a computer-readable medium. For example, if the software is transmitted from a website, a server, or other remote source using a coaxial cable, a fiber optic cable, a twisted pair, a digital subscriber line (DSL), or wireless technologies such as infrared, radio, and microwaves, the coaxial cable, fiber optic cable, twisted pair, DSL, or wireless technologies such as infrared, radio, and microwaves are included in the definition of the medium. Disk and disc as used herein include compact disc (CD), laser disc, optical disc, digital versatile disc (DVD), floppy disk and Blu-ray disc, wherein disk often reproduces data magnetically, while disc reproduces data optically with lasers. Combinations of the above should also be included within the scope of computer-readable media.

[0129] The previous description of the disclosure is provided to enable any person skilled in the art to make or use the disclosure. Various modifications to the disclosure will be apparent to those skilled in the art, and the general principles defined herein may be applied to other variations without departing from the spirit or scope of the disclosure. Thus, the disclosure is not intended to be limited to the examples and designs described herein, but should be granted the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A payment system applied to the Metaverse, characterized in that: It includes the user end, Metaverse platform, payment service subsystem and CA certificate authority, among which: The user end includes an offline security module and a payment announcement component, including: Offline security module, including a private key storage unit, where users sign transactions using the private key in the unit and receive payment confirmation information through the payment broadcast component; Payment announcement component, allowing users to choose from a variety of immersive payment methods; The Metaverse platform includes a front-end service module, an asynchronous processing service module, and an SDK module, among which: The front-end service module is used to receive the signature information from the user end, communicate with the payment service subsystem through the SDK module, perform business processing, and ensure the security of transactions; Asynchronous processing service module, used to monitor and process asynchronous result feedback of payment requests to ensure the integrity of the payment process; SDK module, embedded in the Metaverse platform to connect the Metaverse platform and payment services; The payment service subsystem includes payment management module, risk control management module, channel management module and blockchain gateway, among which: Payment management module, used to generate transactions and perform accounting processing; The risk management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected; The channel management module manages the payment channel status, transfers the data of the Metaverse platform to the payment channel, and manages the status of each payment channel to achieve seamless switching; Blockchain gateway, which is used to upload transaction information to the blockchain and use smart contracts to achieve atomic delivery of virtual goods and user funds; CA certificate authority is used to provide certificate and authentication services, verify the identities of both parties to the transaction, and ensure communication security.

2. The payment system applied to the Metaverse according to claim 1, characterized in that: The payment announcement component supports payment confirmation announcements in multiple forms including SMS / email push, public account push, APP push, voice announcement, and Metaverse plug-in screen display.

3. The payment system applied to the Metaverse according to claim 1, characterized in that: The system runs the following process: ①The user initiates the transaction and signs it; ②The front-end service module receives data and forwards it to the payment management module through the SDK. The payment service processes the transaction and uploads the data to the chain; ③The asynchronous processing service module feeds back the payment result; ④Users obtain payment information through the payment broadcast component.

4. The payment system applied to the Metaverse according to claim 1, characterized in that: In step ②, the Metaverse platform interacts securely with the payment service provider through the SDK, and provides two payment options for end users, including immersive payment and bridge payment. Step ② further includes: Collection service: Receive transaction orders from the Metaverse platform and pass them to the unified order SDK for processing; Unified order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridge payment through the SDK to achieve unified management and scheduling of payment methods; Immersive payment: including universal USB-shield payment, Bluetooth USB-shield payment, biometric payment and cold wallet APP payment. Immersive payment receives payment requests through SDK and interacts with blockchain using smart contract standards, identity authentication standards and privacy protection standards to ensure payment security and compliance. Bridge payment: including mini-program payment, H5 payment, APP payment and quick payment. These payment methods are suitable for lightweight payment scenarios. Bridge payment receives payment requests through SDK and interacts with the blockchain to ensure the security and compliance of payment.

5. The payment system applied to the Metaverse according to claim 1, characterized in that: The payment management module further configures the following reconciliation and settlement processes: Step 1: Reconciliation file storage service: store multi-source data including orders, payments, cards, coupons, marketing, and settlements; Step 2: ETL / analysis service: clean, convert and standardize the stored data to form a data foundation that can be used for reconciliation and store it in layers, including the data standard layer, detailed data layer, summary data layer and data mart layer. The data standard layer standardizes the data to ensure data consistency. The detailed data layer stores detailed transaction data for reconciliation. The summary data layer summarizes the detailed data to form the reconciliation results. The data mart layer provides query and analysis functions for reconciliation data. Step 3: Data verification: Monitor transaction data in real time through blockchain observation nodes to implement reconciliation operations. If abnormal data is found, a difference report will be generated and submitted to the manual processing layer for review; Step 4: After confirming that the reconciliation results are correct, generate the reconciliation results and perform settlement and write-off. The settlement and write-off process also includes manual difference processing.

6. The payment system applied to the Metaverse according to claim 1, characterized in that: The risk management module further configures the following compliance supervision processes: First, collect customer information and rate customers through the KYC module to assess their risk level; Then, the system performs a list warning: checking whether the user is on the warning list; Next, identify potential high-risk behaviors; After that, the intention verification is carried out: the identity verification process to confirm the user's true intention to ensure that the user conducts transactions or authorizations with knowledge and voluntarily; Finally, if a suspicious transaction is detected, an early warning of the subject and transaction rules will be triggered: including entity warning, regional warning, account opening warning, and transaction warning.

7. The payment system applied to the Metaverse according to claim 6, characterized in that: The final step of detecting whether it is a suspicious transaction includes manual processing: manually reviewing the detected suspicious transactions, supplementing the processing results and reporting them to the regulatory authorities; at the same time, completing data collection / sample sharing: that is, collecting and sharing key risk event data based on strict data compliance requirements for further analysis by Metaverse business compliance regulators.

8. The payment system applied to the Metaverse according to claim 7, characterized in that: The early warning process also includes deep mining of abnormal facial data, intelligent generation of AI face-changing features, and automatic updating of liveness recognition models to prevent watermark attacks and synthetic attacks.

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